FHA Loan Limits in Putnam County, Tennessee (2026)
Putnam County and the rest of Putnam County, Tennessee fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Putnam County, from Putnam County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
How much home can you afford in Putnam County?
An FHA buyer near Putnam County faces an estimated $334,000 median, a $11,690 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,467. That suits household income of roughly $96,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Putnam County
Here is what an FHA payment looks like at three Putnam County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $240,000 | $8,400 | $1,806 |
| Local median — $334,000 | $11,690 | $2,467 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Putnam County too — get notified.
In Putnam County and the surrounding Putnam County market, FHA's appeal is the math: $11,690 down on a $334,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Putnam County
Looking at a duplex or fourplex near Putnam County? FHA allows up to $692,997 on two units and $1,041,072 on four in Putnam County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Putnam County for 2026?
- In Putnam County (Putnam County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Putnam County with FHA?
- For a median-priced ($334,000) Putnam County home, plan on income around $96,000 at a 31% housing ratio — about $2,467/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Putnam County?
- 3.5% with a 580+ score — roughly $11,690 on a $334,000 Putnam County-area home. Gift funds are allowed.
- Is Putnam County a high-cost FHA area?
- No — Putnam County uses the $541,287 national floor for one unit.